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Athene At a Glance: Rates, Products and Reviews

Athene is a young but vibrant player in the annuity industry, offering many products that range from SPIAs to RILAs. The company’s greatest strength may be the diversity of its offerings, with many variations available to help you find the best annuity for you. However, the company has a mixed reputation when it comes to customer satisfaction.

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Written By Jennifer Schell, CAS®
Jennifer Schell, CAS®
Jennifer Schell, CAS®
Financial Writer, Certified Annuity Specialist®
Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).
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and Chip Stapleton
Chip Stapleton
Chip Stapleton
FINRA Series 7 and Series 66 License Holder
Chip Stapleton is a financial advisor who has spent the past several years of his career working primarily in financial planning and wealth management. He is a FINRA Series 7 and Series 66 license holder and passed the CFA Level II exam in 2022.
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Edited By Lamia Chowdhury
Lamia Chowdhury
Lamia Chowdhury
Financial Editor
Lamia Chowdhury is a financial editor at Annuity.org. Lamia carries an extensive skillset in the content marketing field, and her work as a copywriter spans industries as diverse as finance, health care, travel and restaurants.
Read More
Reviewed By Stephen Kates, CFP®
Stephen Kates, CFP®
Stephen Kates, CFP®
Principal Financial Analyst for Annuity.org
Stephen Kates, CFP® is a personal finance expert specializing in financial planning and education. He serves as the Principal Financial Analyst for Annuity.org, where he delves into industry trends to support consumers and financial advisors on wealth management, annuities, retirement planning, and investing.
Read More
Updated: July 17, 2024
9 min read time
This page features 6 Cited Research Articles

Today’s Best Athene Annuity Rates

Term	Product	AM Best Rating	Rate
5 Years	Athene MYG	A+	5.00%
5 Years	MaxRate 5	A+	5.00%
7 Years	Athene MYG	A+	5.00%

Source: Cannex

4.3

Annuity.org Star Rating

Our Take

Despite having just emerged in 2009, Athene is a virtual giant in the annuity space, with over $20 billion in direct premiums sold in 2022. The company’s list of available products is extensive, including fixed, fixed index, registered index-linked and immediate annuities.

Pros

Variety of annuities available
Financially stable

Cons

Scores below industry average in customer satisfaction

Compare Athene Annuity Rates

Premium

State

Provider

Guarantee Period

Surrender Period

AM Best Rating

Products 1-5 of 739

Source: Cannex, Jul. 26, 2024

Product	Rate	Guarantee Period	Surrender Period	AM Best Rating
Safe Harbor Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	6.60%	10 Years	10 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	6.45%	10 Years	10 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	6.25%	7 Years	7 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	6.10%	7 Years	7 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	6.05%	6 Years	6 Years	B+
Future Flex 8 Guarantee: 1 Year Surrender: 8 Years	6.00%	1 Year	8 Years	A-
Safe Harbor Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	6.00%	5 Years	5 Years	B+
Safe Harbor Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.92%	3 Years	3 Years	B+
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.90%	3 Years	3 Years	B++
Aspida Advisory MYGA Guarantee: 5 Years Surrender: 5 Years	5.90%	5 Years	5 Years	A-
Safe Harbor Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	5.90%	6 Years	6 Years	B+
CL Sundance 3-Year Guarantee: 3 Years Surrender: 3 Years	5.85%	3 Years	3 Years	B++
MYGA Guarantee: 5 Years Surrender: 5 Years	5.85%	5 Years	5 Years	B++
Future Flex 8 Guarantee: 1 Year Surrender: 8 Years	5.80%	1 Year	8 Years	A-
Safeguard Plus Guarantee: 5 Years Surrender: 5 Years	5.80%	5 Years	5 Years	B++
Heartland National Life Insurance Company Secure Rate 5 Guarantee: 5 Years Surrender: 5 Years	5.80%	5 Years	5 Years
Aspida Advisory MYGA Guarantee: 7 Years Surrender: 7 Years	5.80%	7 Years	7 Years	A-
Heartland National Life Insurance Company Secure Rate 7 Guarantee: 7 Years Surrender: 7 Years	5.80%	7 Years	7 Years
Heartland National Life Insurance Company Secure Rate 10 Guarantee: 10 Years Surrender: 10 Years	5.80%	10 Years	10 Years
Aspida Advisory MYGA Guarantee: 3 Years Surrender: 3 Years	5.75%	3 Years	3 Years	A-
MYGA Guarantee: 3 Years Surrender: 3 Years	5.75%	3 Years	3 Years	B++
Aspida Advisory MYGA Guarantee: 5 Years Surrender: 5 Years	5.75%	5 Years	5 Years	A-
MYAnnuity 7X - No Free Withdrawal Guarantee: 7 Years Surrender: 7 Years	5.75%	7 Years	7 Years	B++
MYGA Guarantee: 4 Years Surrender: 4 Years	5.70%	4 Years	4 Years	B++
American Life & Security Corp American Classic Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years	B++
MYAnnuity 5X - No Free Withdrawal Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years	B++
Safe Harbor Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years	B+
Heartland National Life Insurance Company Secure Rate 5 Guarantee: 5 Years Surrender: 5 Years	5.70%	5 Years	5 Years
Simple Annuity Guarantee: 6 Years Surrender: 6 Years	5.70%	6 Years	6 Years	B++
Heartland National Life Insurance Company Secure Rate 7 Guarantee: 7 Years Surrender: 7 Years	5.70%	7 Years	7 Years
Heartland National Life Insurance Company Secure Rate 10 Guarantee: 10 Years Surrender: 10 Years	5.70%	10 Years	10 Years
American Life & Security Corp American Classic Guarantee: 3 Years Surrender: 3 Years	5.65%	3 Years	3 Years	B++
Safeguard Plus Guarantee: 3 Years Surrender: 3 Years	5.65%	3 Years	3 Years	B++
Heartland National Life Insurance Company Secure Rate 3 Guarantee: 3 Years Surrender: 3 Years	5.65%	3 Years	3 Years
Platinum Assure Guarantee: 5 Years Surrender: 5 Years	5.65%	5 Years	5 Years	A
Heartland National Life Insurance Company Secure Rate 5 Guarantee: 5 Years Surrender: 5 Years	5.65%	5 Years	5 Years
Aspida Advisory MYGA Guarantee: 7 Years Surrender: 7 Years	5.65%	7 Years	7 Years	A-
MYGA Guarantee: 7 Years Surrender: 7 Years	5.65%	7 Years	7 Years	B++
Heartland National Life Insurance Company Secure Rate 7 Guarantee: 7 Years Surrender: 7 Years	5.65%	7 Years	7 Years
Heartland National Life Insurance Company Secure Rate 10 Guarantee: 10 Years Surrender: 10 Years	5.65%	10 Years	10 Years
Aspida Advisory MYGA Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	B++
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	B++
Safe Harbor Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.60%	3 Years	3 Years	B+
Advantage 5 Advisory Guarantee: 5 Years Surrender: 5 Years	5.60%	5 Years	5 Years	A++
CL Sundance 5-Year Guarantee: 5 Years Surrender: 5 Years	5.60%	5 Years	5 Years	B++
Palladium MYG Guarantee: 5 Years Surrender: 9 Years	5.60%	5 Years	9 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	5.60%	5 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	5.60%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 9 Years	5.60%	6 Years	9 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 9 Years	5.60%	7 Years	9 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	5.60%	7 Years	10 Years	A
Certainty Select Guarantee: 10 Years Surrender: 10 Years	5.60%	10 Years	10 Years	B++
Safe Haven Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.57%	3 Years	3 Years	B+
Aspida Advisory MYGA Guarantee: 2 Years Surrender: 2 Years	5.55%	2 Years	2 Years	A-
American Pathway Advisory Guarantee: 3 Years Surrender: 3 Years	5.55%	3 Years	3 Years	A
Oak ADVantage Guarantee: 3 Years Surrender: 3 Years	5.55%	3 Years	3 Years	A+
Heartland National Life Insurance Company Secure Rate 3 Guarantee: 3 Years Surrender: 3 Years	5.55%	3 Years	3 Years
Platinum Assure Guarantee: 4 Years Surrender: 4 Years	5.55%	4 Years	4 Years	A
American Pathway Advisory Guarantee: 5 Years Surrender: 5 Years	5.55%	5 Years	5 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.55%	5 Years	5 Years	B++
MYGA Guarantee: 6 Years Surrender: 6 Years	5.55%	6 Years	6 Years	B++
American Pathway Advisory Guarantee: 7 Years Surrender: 7 Years	5.55%	7 Years	7 Years	A
MYAnnuity 7X Guarantee: 7 Years Surrender: 7 Years	5.55%	7 Years	7 Years	B++
Safeguard Plus Guarantee: 7 Years Surrender: 7 Years	5.55%	7 Years	7 Years	B++
Future Flex 5 Guarantee: 1 Year Surrender: 5 Years	5.50%	1 Year	5 Years	A-
Future Flex Classic Guarantee: 1 Year Surrender: 1 Year	5.50%	1 Year	1 Year	A-
American Pathway Advisory Guarantee: 3 Years Surrender: 3 Years	5.50%	3 Years	3 Years	A
Heartland National Life Insurance Company Secure Rate 3 Guarantee: 3 Years Surrender: 3 Years	5.50%	3 Years	3 Years
Advantage 5 Advisory Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A++
American Pathway Advisory Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A
MYAnnuity 5X Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	B++
Oak ADVantage Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A+
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.50%	5 Years	5 Years	A-
Multi Select Guarantee: 6 Years Surrender: 6 Years	5.50%	6 Years	6 Years	A
American Pathway Advisory Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A-
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.50%	7 Years	7 Years	A-
Certainty Select Guarantee: 8 Years Surrender: 8 Years	5.50%	8 Years	8 Years	B++
Palladium MYG Guarantee: 8 Years Surrender: 10 Years	5.50%	8 Years	10 Years	A
Palladium MYG Guarantee: 8 Years Surrender: 9 Years	5.50%	8 Years	9 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 9 Years	5.50%	9 Years	9 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 10 Years	5.50%	9 Years	10 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	5.50%	10 Years	10 Years	A
Safeguard Plus Guarantee: 10 Years Surrender: 10 Years	5.50%	10 Years	10 Years	B++
Future Flex 8 Guarantee: 1 Year Surrender: 8 Years	5.45%	1 Year	8 Years	A-
Simple Annuity Guarantee: 4 Years Surrender: 4 Years	5.45%	4 Years	4 Years	B++
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	5.45%	5 Years	10 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 9 Years	5.45%	5 Years	9 Years	A
Platinum Assure Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A
WealthLock MYGA Guarantee: 5 Years Surrender: 5 Years	5.45%	5 Years	5 Years	A-
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	5.45%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 9 Years	5.45%	6 Years	9 Years	A
Platinum Assure Guarantee: 6 Years Surrender: 6 Years	5.45%	6 Years	6 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 9 Years	5.45%	7 Years	9 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	5.45%	7 Years	10 Years	A
Platinum Assure Guarantee: 7 Years Surrender: 7 Years	5.45%	7 Years	7 Years	A
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.45%	7 Years	7 Years	A-
Aspida Advisory MYGA Guarantee: 2 Years Surrender: 2 Years	5.40%	2 Years	2 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	B++
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	B+
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.40%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.40%	4 Years	4 Years	A-
Focused Growth Annuity Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A-
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A-
WealthLock MYGA Plus Guarantee: 5 Years Surrender: 5 Years	5.40%	5 Years	5 Years	A-
Certainty Select Guarantee: 6 Years Surrender: 6 Years	5.40%	6 Years	6 Years	B++
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A-
Multi Select Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A
Oak ADVantage Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A+
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	B++
WealthLock MYGA Plus Guarantee: 7 Years Surrender: 7 Years	5.40%	7 Years	7 Years	A-
Platinum Assure Guarantee: 2 Years Surrender: 2 Years	5.35%	2 Years	2 Years	A
WealthLock MYGA Guarantee: 3 Years Surrender: 3 Years	5.35%	3 Years	3 Years	A-
Apex MYGA Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A-
Certainty Select Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	B++
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 9 Years	5.35%	5 Years	9 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	5.35%	5 Years	10 Years	A
Pinnacle Plus MYGA Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A-
Safe Haven Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	B+
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.35%	5 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.35%	6 Years	6 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	5.35%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 9 Years	5.35%	6 Years	9 Years	A
Lincoln Select Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	5.35%	7 Years	10 Years	A
Palladium MYG Guarantee: 7 Years Surrender: 9 Years	5.35%	7 Years	9 Years	A
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
WealthLock MYGA Guarantee: 7 Years Surrender: 7 Years	5.35%	7 Years	7 Years	A-
Palladium MYG Guarantee: 8 Years Surrender: 9 Years	5.35%	8 Years	9 Years	A
Palladium MYG Guarantee: 8 Years Surrender: 10 Years	5.35%	8 Years	10 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 9 Years	5.35%	9 Years	9 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 10 Years	5.35%	9 Years	10 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	5.35%	10 Years	10 Years	A
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	5.34%	3 Years	3 Years	B+
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.30%	2 Years	2 Years	A-
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	5.30%	3 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 9 Years	5.30%	3 Years	9 Years	A
Safe Haven Bonus Guarantee Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	B+
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	B+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
WealthLock MYGA Plus Guarantee: 3 Years Surrender: 3 Years	5.30%	3 Years	3 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	5.30%	4 Years	4 Years	A
Platinum Assure Guarantee: 4 Years Surrender: 4 Years	5.30%	4 Years	4 Years	A
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.30%	4 Years	4 Years	A-
F&G Secure MYGA® Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
F&G Secure MYGA® MVA Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
FG Guarantee-Platinum Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
Multi Select Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
Palladium Match MYG Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	B++
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
WealthLock MYGA Guarantee: 5 Years Surrender: 5 Years	5.30%	5 Years	5 Years	A-
Apex MYGA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A-
F&G Secure MYGA® Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
F&G Secure MYGA® MVA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
FG Guarantee-Platinum Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
Palladium Match MYG Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	B++
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.30%	7 Years	7 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	5.30%	10 Years	10 Years	A
Future Flex 5 Guarantee: 1 Year Surrender: 5 Years	5.25%	1 Year	5 Years	A-
Asset Guard Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	A-
CL Sundance 2-Year Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	B++
Future Flex 5 Guarantee: 2 Years Surrender: 5 Years	5.25%	2 Years	5 Years	A-
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	A-
WealthLock MYGA Guarantee: 2 Years Surrender: 2 Years	5.25%	2 Years	2 Years	A-
Certainty Select Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	B++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.25%	3 Years	3 Years	A-
Asset Guard Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A-
Multi Select Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.25%	4 Years	4 Years	A-
Asset Guard Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Athene MYG Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A+
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
MyGuarantee Plus Class Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A
Pacific Harbor Guarantee: 5 Years Surrender: 0 Years	5.25%	5 Years	0 Years	A+
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	B++
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
WealthLock MYGA Plus Guarantee: 5 Years Surrender: 5 Years	5.25%	5 Years	5 Years	A-
Safe Haven Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	5.25%	6 Years	6 Years	B+
Athene MYG Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A+
Brighthouse Fixed Rate Annuity with MVA Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
Focused Growth Annuity Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A+
MyGuarantee Plus Class Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A
Pinnacle Plus MYGA Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Safe Haven Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	B+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
WealthLock MYGA Plus Guarantee: 7 Years Surrender: 7 Years	5.25%	7 Years	7 Years	A-
Palladium MYG Guarantee: 8 Years Surrender: 9 Years	5.25%	8 Years	9 Years	A
Palladium MYG Guarantee: 8 Years Surrender: 10 Years	5.25%	8 Years	10 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 10 Years	5.25%	9 Years	10 Years	A
Palladium MYG Guarantee: 9 Years Surrender: 9 Years	5.25%	9 Years	9 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	5.25%	10 Years	10 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	5.25%	10 Years	10 Years	B++
Pinnacle Plus MYGA Guarantee: 10 Years Surrender: 10 Years	5.25%	10 Years	10 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	5.20%	2 Years	2 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.20%	2 Years	2 Years	A-
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A
Platinum Assure Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A-
WealthLock MYGA Guarantee: 3 Years Surrender: 3 Years	5.20%	3 Years	3 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
American Freedom Classic 5 Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A++
Brighthouse Fixed Rate Annuity with MVA Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
Lincoln Select Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
LiveWell Guarantee Max Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A+
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.20%	5 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.20%	6 Years	6 Years	A
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	5.20%	6 Years	6 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
WealthLock MYGA Guarantee: 7 Years Surrender: 7 Years	5.20%	7 Years	7 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	5.20%	10 Years	10 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.15%	2 Years	2 Years	A-
Apex MYGA Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Focused Growth Annuity Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
Freedom Elevate 3 Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A++
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	5.15%	3 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 9 Years	5.15%	3 Years	9 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
WealthLock MYGA Plus Guarantee: 3 Years Surrender: 3 Years	5.15%	3 Years	3 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	5.15%	4 Years	4 Years	A-
Athene MYG Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Eleos MVA Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A++
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
LiveWell Guarantee Max Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
MNL Guarantee Pro 5 Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Palladium Match MYG Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A
Prudential WealthGuard Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Reliance Guarantee Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A++
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Smart Saver NY Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A+
Synergy Choice MYGA Guarantee: 5 Years Surrender: 5 Years	5.15%	5 Years	5 Years	A-
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	5.15%	6 Years	6 Years	A-
Safe Haven Bonus Guarantee Guarantee: 6 Years Surrender: 6 Years	5.15%	6 Years	6 Years	B+
Athene MYG Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A+
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Palladium Match MYG Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
Performance SPDA Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Reliance Guarantee Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A++
Safe Haven Bonus Guarantee Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	B+
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.15%	7 Years	7 Years	A
Multi Select Guarantee: 8 Years Surrender: 8 Years	5.15%	8 Years	8 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	5.15%	10 Years	9 Years	A
Lincoln Select Guarantee: 10 Years Surrender: 10 Years	5.15%	10 Years	10 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	5.15%	10 Years	10 Years	B++
Safe Haven Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	5.15%	10 Years	10 Years	B+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	5.10%	2 Years	2 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.10%	2 Years	2 Years	A-
WealthLock MYGA Guarantee: 2 Years Surrender: 2 Years	5.10%	2 Years	2 Years	A-
Asset Guard Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
F&G Secure MYGA® Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
F&G Secure MYGA® MVA Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
FG Guarantee-Platinum Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
Pinnacle Plus MYGA Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.10%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.10%	4 Years	4 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
Focused Growth Annuity Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MCA No FPW Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
MYAnnuity 5X - No Free Withdrawal Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	B++
MyGuarantee Plus Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Sentinel Security Life Personal Choice Annuity Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	B++
Safe Haven Bonus Guarantee Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	B+
SecureSaver Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.10%	5 Years	5 Years	A-
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	5.10%	6 Years	6 Years	A++
Security Benefit Life Insurance Company Advanced Choice Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Brighthouse Fixed Rate Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
LiveWell Guarantee Max Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A+
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	B++
Sentinel Security Life Personal Choice Annuity Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	B++
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A++
SecureSaver Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
Synergy Choice MYGA Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A-
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Premier Guarantee: 7 Years Surrender: 7 Years	5.10%	7 Years	7 Years	A+
Asset Guard Guarantee: 2 Years Surrender: 2 Years	5.05%	2 Years	2 Years	A-
Platinum Assure Guarantee: 2 Years Surrender: 2 Years	5.05%	2 Years	2 Years	A
Synergy Choice MYGA Guarantee: 2 Years Surrender: 2 Years	5.05%	2 Years	2 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Athene MYG Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
LiveWell Guarantee Max Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A+
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	5.05%	3 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 9 Years	5.05%	3 Years	9 Years	A
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A
Synergy Choice MYGA Guarantee: 3 Years Surrender: 3 Years	5.05%	3 Years	3 Years	A-
Asset Guard Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A-
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A++
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	5.05%	4 Years	4 Years	A-
Apex MYGA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Asset Guard Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Brighthouse Fixed Rate Annuity Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
F&G Secure MYGA® Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
F&G Secure MYGA® MVA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
MCA Int Credited Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Palladium Match MYG Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Pinnacle Plus MYGA Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
SecureFore 5 Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.05%	5 Years	5 Years	A
Apex MYGA Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
F&G Secure MYGA® Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
F&G Secure MYGA® MVA Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
LiveWell Guarantee Max Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A+
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
MNL Guarantee Pro 7 Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A+
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Palladium Match MYG Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
SecureFore 7 Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	5.05%	7 Years	7 Years	A
Multi Select Guarantee: 10 Years Surrender: 10 Years	5.05%	10 Years	10 Years	A
Safe Haven Bonus Guarantee Guarantee: 10 Years Surrender: 10 Years	5.05%	10 Years	10 Years	B+
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	5.05%	10 Years	9 Years	A
ChoiceFour (Base contract) Guarantee: 1 Year Surrender: 9 Years	5.00%	1 Year	9 Years	B++
ChoiceFour (MVA) Guarantee: 1 Year Surrender: 9 Years	5.00%	1 Year	9 Years	B++
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 9 Years	5.00%	1 Year	9 Years	A
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 7 Years	5.00%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	5.00%	1 Year	7 Years	A+
Future Flex 5 Guarantee: 2 Years Surrender: 5 Years	5.00%	2 Years	5 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
LiveWell Guarantee Max Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A+
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A
Pacific Harbor Guarantee: 3 Years Surrender: 0 Years	5.00%	3 Years	0 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	5.00%	3 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	5.00%	3 Years	3 Years	A-
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A
American Pathway Vision MYG Guarantee: 4 Years Surrender: 10 Years	5.00%	4 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	B++
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A-
Smart Saver NY Guarantee: 4 Years Surrender: 4 Years	5.00%	4 Years	4 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
American Pathway Vision MYG Guarantee: 5 Years Surrender: 10 Years	5.00%	5 Years	10 Years	A
Athene MYG Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A+
Eleos SP Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A++
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
MCA 10% FPW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Pacific Harbor Guarantee: 5 Years Surrender: 0 Years	5.00%	5 Years	0 Years	A+
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	B++
Secure Growth Guarantee: 5 Years Surrender: 7 Years	5.00%	5 Years	7 Years	A+
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	B+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A
SolutionsMYG Guarantee: 5 Years Surrender: 10 Years	5.00%	5 Years	10 Years	A
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Premier Guarantee: 5 Years Surrender: 5 Years	5.00%	5 Years	5 Years	A+
American Pathway Vision MYG Guarantee: 6 Years Surrender: 10 Years	5.00%	6 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	5.00%	6 Years	6 Years	B++
SolutionsMYG Guarantee: 6 Years Surrender: 10 Years	5.00%	6 Years	10 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
American Pathway Vision MYG Guarantee: 7 Years Surrender: 10 Years	5.00%	7 Years	10 Years	A
Athene MYG Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
Brighthouse Fixed Rate Annuity with MVA Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A-
MyGuarantee Plus Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	B++
Secure Growth Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A
Smart Saver NY Guarantee: 7 Years Surrender: 7 Years	5.00%	7 Years	7 Years	A+
SolutionsMYG Guarantee: 7 Years Surrender: 10 Years	5.00%	7 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 8 Years Surrender: 8 Years	5.00%	8 Years	8 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 8 Years Surrender: 8 Years	5.00%	8 Years	8 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 8 Years Surrender: 8 Years	5.00%	8 Years	8 Years	B++
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	A-
Multi Select Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 9 Years Surrender: 9 Years	5.00%	9 Years	9 Years	B++
American Pathway Vision MYG Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	B++
SolutionsMYG Guarantee: 10 Years Surrender: 10 Years	5.00%	10 Years	10 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.95%	1 Year	5 Years	A+
WealthLock MYGA Plus Guarantee: 2 Years Surrender: 2 Years	4.95%	2 Years	2 Years	A-
Security Benefit Life Insurance Company Advanced Choice Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.95%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.95%	3 Years	7 Years	A
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
MNL Guarantee Pro 3 Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A+
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
Platinum Assure Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	B++
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.95%	3 Years	5 Years	A+
SecureFore 3 Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.95%	3 Years	3 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	4.95%	4 Years	4 Years	A
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.95%	4 Years	4 Years	A-
American Freedom Classic 5 Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A++
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
Athene MYG Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
Brighthouse Fixed Rate Annuity with MVA Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
F&G Secure MYGA® Non-MVA Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
LiveWell Guarantee Max Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.95%	5 Years	5 Years	A-
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	4.95%	6 Years	6 Years	A-
Smart Saver NY Guarantee: 6 Years Surrender: 6 Years	4.95%	6 Years	6 Years	A+
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
Brighthouse Fixed Rate Annuity with ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
F&G Secure MYGA® Non-MVA Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
Focused Growth Annuity Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A+
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A+
Pinnacle Plus MYGA Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.95%	7 Years	7 Years	A-
Focused Growth Annuity Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	A
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	B++
Pinnacle Plus MYGA Guarantee: 10 Years Surrender: 10 Years	4.95%	10 Years	10 Years	A-
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.94%	5 Years	5 Years	B+
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.90%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.90%	1 Year	7 Years	A
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.90%	2 Years	2 Years	A++
American Freedom Aspire 3 Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A++
Asset Guard Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Brighthouse Fixed Rate Annuity with MVA Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Prudential WealthGuard Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.90%	3 Years	3 Years	A-
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.90%	4 Years	4 Years	A-
Athene MYG Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
Brighthouse Fixed Rate Annuity with ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
MCA 10% FPW & ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
MNL Guarantee Pro 5 Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
MYAnnuity 5X Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	B++
Mariner Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
Performance SPDA Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	B+
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A
Smart Saver NY Guarantee: 5 Years Surrender: 5 Years	4.90%	5 Years	5 Years	A+
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 6 Years Surrender: 6 Years	4.90%	6 Years	6 Years	A-
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.90%	6 Years	6 Years	A++
Athene MYG Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A++
Prudential WealthGuard Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A+
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A-
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	4.90%	7 Years	7 Years	A
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 8 Years Surrender: 8 Years	4.90%	8 Years	8 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 9 Years Surrender: 9 Years	4.90%	9 Years	9 Years	A-
Guaranty Income Life Insurance Company Guaranty Rate Lock Guarantee: 10 Years Surrender: 10 Years	4.90%	10 Years	10 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	4.85%	2 Years	2 Years	A
Apex MYGA Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
F&G Secure MYGA® Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
F&G Secure MYGA® MVA Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
Focused Growth Annuity Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
Freedom Elevate 3 Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A++
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.85%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	4.85%	4 Years	4 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 4 Years Surrender: 4 Years	4.85%	4 Years	4 Years	A-
Eagle Guarantee Focus Series Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Eagle Guarantee Focus Series Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
GuaranteeShield Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
GuaranteeShield Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	4.85%	5 Years	5 Years	A
Future Flex 5 Guarantee: 6 Years Surrender: 5 Years	4.85%	6 Years	5 Years	A-
Harbourview Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	4.85%	6 Years	6 Years	A
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.85%	6 Years	6 Years	A++
Athene MYG Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A+
Brighthouse Fixed Rate Annuity Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A+
LiveWell Guarantee Max Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A+
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
MCA No FPW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	4.85%	7 Years	7 Years	A
Reliance Guarantee Guarantee: 10 Years Surrender: 10 Years	4.85%	10 Years	10 Years	A++
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	4.85%	10 Years	10 Years	A
Future Flex 8 Guarantee: 2 Years Surrender: 8 Years	4.80%	2 Years	8 Years	A-
WealthLock MYGA Plus Guarantee: 2 Years Surrender: 2 Years	4.80%	2 Years	2 Years	A-
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
MCA No FPW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
Mariner Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A+
Pinnacle Plus MYGA Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A-
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.80%	3 Years	3 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	4.80%	4 Years	4 Years	A
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.80%	4 Years	4 Years	A++
American Freedom Aspire 5 Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A++
Brighthouse Fixed Rate Annuity Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A+
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A++
SecureFore 5 Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.80%	5 Years	5 Years	A
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A+
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
MCA Int Credited Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
SecureFore 7 Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	4.80%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	4.80%	10 Years	9 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.75%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.75%	1 Year	7 Years	A+
Harbourview Multi-Year Guaranteed Annuity Guarantee: 2 Years Surrender: 2 Years	4.75%	2 Years	2 Years	A
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A+
Brighthouse Fixed Rate Annuity Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
Eagle Guarantee Focus Series Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Eagle Guarantee Focus Series Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
GuaranteeShield Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
GuaranteeShield Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
LiveWell Guarantee Max Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A+
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
MCA Int Credited Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
Pacific Harbor Guarantee: 3 Years Surrender: 0 Years	4.75%	3 Years	0 Years	A+
Performance SPDA Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.75%	3 Years	7 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.75%	3 Years	7 Years	A+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A
Stable Voyage Guarantee: 3 Years Surrender: 3 Years	4.75%	3 Years	3 Years	A++
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A++
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A-
Smart Saver NY Guarantee: 4 Years Surrender: 4 Years	4.75%	4 Years	4 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A++
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.75%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.75%	5 Years	7 Years	A+
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A+
SecureSaver Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
SolutionsMYG Guarantee: 5 Years Surrender: 7 Years	4.75%	5 Years	7 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	4.75%	5 Years	5 Years	A
SolutionsMYG Guarantee: 6 Years Surrender: 7 Years	4.75%	6 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
MCA 10% FPW Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
MNL Guarantee Pro 7 Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SecureSaver Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
Smart Saver NY Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SolutionsMYG Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Secure Plus Guarantee: 7 Years Surrender: 7 Years	4.75%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.75%	9 Years	9 Years	A+
Sentinel Security Life Personal Choice Annuity Guarantee: 10 Years Surrender: 10 Years	4.75%	10 Years	10 Years	B++
Apollo MVA Guarantee: 1 Year Surrender: 7 Years	4.70%	1 Year	7 Years	A++
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.70%	1 Year	5 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.70%	1 Year	5 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.70%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.70%	3 Years	7 Years	A
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A+
F&G Secure MYGA® Non-MVA Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A-
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.70%	3 Years	5 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.70%	3 Years	5 Years	A+
SecureFore 3 Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.70%	3 Years	3 Years	A
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.70%	4 Years	4 Years	A-
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 4 Years Surrender: 4 Years	4.70%	4 Years	4 Years	B++
Stable Voyage Guarantee: 4 Years Surrender: 4 Years	4.70%	4 Years	4 Years	A++
Athene MYG Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A+
F&G Secure MYGA® Non-MVA Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	B++
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A+
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A
Stable Voyage Guarantee: 5 Years Surrender: 5 Years	4.70%	5 Years	5 Years	A++
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.70%	6 Years	6 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 6 Years Surrender: 6 Years	4.70%	6 Years	6 Years	B++
Smart Saver NY Guarantee: 6 Years Surrender: 6 Years	4.70%	6 Years	6 Years	A+
Brighthouse Fixed Rate Annuity with ROP Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
F&G Secure MYGA® Non-MVA Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	B++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	4.70%	7 Years	7 Years	A
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 8 Years Surrender: 8 Years	4.70%	8 Years	8 Years	B++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 9 Years Surrender: 9 Years	4.70%	9 Years	9 Years	B++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 10 Years	4.70%	10 Years	10 Years	B++
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 10 Years Surrender: 9 Years	4.70%	10 Years	9 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.65%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.65%	1 Year	7 Years	A
Brighthouse Fixed Rate Annuity with MVA Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A-
Multi Select Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Clear Spring Life and Annuity Company Preserve Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	B++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.65%	3 Years	3 Years	A-
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.65%	4 Years	4 Years	A-
Brighthouse Fixed Rate Annuity with ROP Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A++
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A+
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice 1 - Base Benefits Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A-
Select Max Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A
Smart Saver NY Guarantee: 5 Years Surrender: 5 Years	4.65%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	4.65%	6 Years	6 Years	A-
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A
MCA 10% FPW & ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A+
Milestone MYGA Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 7 Years Surrender: 7 Years	4.65%	7 Years	7 Years	A
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.65%	9 Years	9 Years	A+
Focused Growth Annuity Guarantee: 10 Years Surrender: 10 Years	4.65%	10 Years	10 Years	A
Future Flex 8 Guarantee: 2 Years Surrender: 8 Years	4.60%	2 Years	8 Years	A-
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.60%	2 Years	2 Years	A++
Brighthouse Fixed Rate Annuity with ROP Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
MCA 10% FPW & ROP Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A++
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A-
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A
SmartSelect Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A+
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.60%	3 Years	3 Years	A+
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.60%	4 Years	4 Years	A++
Eagle Guarantee Focus Series Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A-
F&G Secure MYGA® ROP Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A++
GuaranteeShield Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A-
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A
Mariner Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A+
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A++
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A+
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A
United of Omaha Insurance Company (a Mutual of Omaha company) Ultra-Secure Plus Guarantee: 5 Years Surrender: 5 Years	4.60%	5 Years	5 Years	A+
Future Flex 5 Guarantee: 6 Years Surrender: 5 Years	4.60%	6 Years	5 Years	A-
Milestone MYGA Guarantee: 6 Years Surrender: 6 Years	4.60%	6 Years	6 Years	A-
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.60%	6 Years	6 Years	A++
Premier Voyage Guarantee: 6 Years Surrender: 6 Years	4.60%	6 Years	6 Years	A++
Athene MYG Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A+
F&G Secure MYGA® ROP Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A+
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A++
Premier Voyage Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A++
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.60%	7 Years	7 Years	A
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.60%	9 Years	9 Years	A+
Apollo SP Guarantee: 1 Year Surrender: 7 Years	4.55%	1 Year	7 Years	A++
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.55%	1 Year	7 Years	A+
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.55%	2 Years	2 Years	A++
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A
MNL Guarantee Pro 3 Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A+
Palladium Match MYG Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A++
Premier Voyage Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A++
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.55%	3 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A-
Select Choice 1 - Base Benefits Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A-
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.55%	3 Years	3 Years	A
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.55%	4 Years	4 Years	A++
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.55%	4 Years	4 Years	A++
American Freedom Aspire 5 Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A++
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.55%	5 Years	7 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A
Sky Harbourview Multi-Year Guaranteed Annuity Guarantee: 5 Years Surrender: 5 Years	4.55%	5 Years	5 Years	A
American Freedom Aspire 7 Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A++
Lincoln Select Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A+
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Choice 1 - Base Benefits Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.55%	7 Years	7 Years	A
ChoiceFour (Liquidity + MVA) Guarantee: 1 Year Surrender: 6 Years	4.50%	1 Year	6 Years	B++
ChoiceFour (Liquidity) Guarantee: 1 Year Surrender: 6 Years	4.50%	1 Year	6 Years	B++
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 9 Years	4.50%	1 Year	9 Years	A
ForeCare Fixed Annuity (LTC) Guarantee: 1 Year Surrender: 7 Years	4.50%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.50%	1 Year	5 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.50%	1 Year	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.50%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.50%	3 Years	7 Years	A
Brighthouse Fixed Rate Annuity Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A
Eagle Guarantee Focus Series Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Expedition II Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
GuaranteeShield Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Mariner Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
North American Company for Life and Health Insurance NAC Guarantee Plus Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.50%	3 Years	7 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.50%	3 Years	5 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A+
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A-
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A
Stable Voyage Guarantee: 3 Years Surrender: 3 Years	4.50%	3 Years	3 Years	A++
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Premier Voyage Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A++
Smart Saver NY Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A+
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A+
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.50%	4 Years	4 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
Mariner Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
Milestone MYGA Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A++
Premier Voyage Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A++
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.50%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
SecureOption Choice Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A+
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.50%	5 Years	5 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A
Smart Saver NY Guarantee: 7 Years Surrender: 7 Years	4.50%	7 Years	7 Years	A+
SecureOption Choice Guarantee: 9 Years Surrender: 9 Years	4.50%	9 Years	9 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.45%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.45%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.45%	1 Year	7 Years	A+
American Freedom Aspire 3 Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A++
Athene MYG Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A+
Expedition II Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A+
F&G Secure MYGA® Non-MVA Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A++
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.45%	3 Years	3 Years	A-
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	4.45%	4 Years	4 Years	A++
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.45%	4 Years	4 Years	A+
Stable Voyage Guarantee: 4 Years Surrender: 4 Years	4.45%	4 Years	4 Years	A++
Lincoln Select Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Stable Voyage Guarantee: 5 Years Surrender: 5 Years	4.45%	5 Years	5 Years	A++
Smart Saver NY Guarantee: 6 Years Surrender: 6 Years	4.45%	6 Years	6 Years	A+
Expedition II Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A+
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A++
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A+
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A-
Select Choice 3 - Base Benefits Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.45%	7 Years	7 Years	A
Platinum Edge Guarantee: 10 Years Surrender: 10 Years	4.45%	10 Years	10 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.40%	1 Year	5 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.40%	1 Year	5 Years	A+
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.40%	2 Years	2 Years	A++
Palladium Match MYG Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.40%	3 Years	5 Years	A+
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	B+
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A+
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.40%	3 Years	3 Years	A
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
MyGuarantee Plus Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
MyGuarantee Plus Class Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A-
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.40%	5 Years	5 Years	A+
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	4.40%	6 Years	6 Years	A++
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	4.40%	6 Years	6 Years	A++
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A
MyGuarantee Plus Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A
MyGuarantee Plus Class Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A
Prudential WealthGuard Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A+
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.40%	7 Years	7 Years	A-
United of Omaha Insurance Company (a Mutual of Omaha company) Bonus Flexible Annuity Guarantee: 8 Years Surrender: 8 Years	4.40%	8 Years	8 Years	A+
Future Flex 8 Guarantee: 9 Years Surrender: 8 Years	4.40%	9 Years	8 Years	A-
Platinum Edge Guarantee: 9 Years Surrender: 9 Years	4.40%	9 Years	9 Years	A+
Brighthouse Fixed Rate Annuity with ROP Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A-
Select Max Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A
SmartSelect Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.35%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.35%	4 Years	4 Years	A++
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A+
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A+
Expedition II Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A+
F&G Secure MYGA® ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A++
SecureGain 5 Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.35%	5 Years	5 Years	A-
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.35%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	4.35%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	4.35%	6 Years	6 Years	A++
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A+
F&G Secure MYGA® ROP Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A+
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A++
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A++
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.35%	7 Years	7 Years	A-
Platinum Edge Guarantee: 8 Years Surrender: 8 Years	4.35%	8 Years	8 Years	A+
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	4.34%	3 Years	3 Years	B+
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.30%	2 Years	2 Years	A++
Premier Voyage Guarantee: 2 Years Surrender: 2 Years	4.30%	2 Years	2 Years	A++
F&G Secure MYGA® ROP Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A
Palladium Match MYG Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A
Secure Savings Elite Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	B+
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A-
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.30%	3 Years	3 Years	A
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.30%	4 Years	4 Years	A++
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.30%	4 Years	4 Years	A+
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A++
Jackson RateProtector Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A
MaxRate 5 Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
Prudential WealthGuard Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.30%	5 Years	5 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	4.30%	6 Years	6 Years	A++
American Freedom Aspire 7 Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Jackson RateProtector Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
MaxRate 7 Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
Platinum Edge Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	4.30%	7 Years	7 Years	A++
Lincoln Select Guarantee: 10 Years Surrender: 10 Years	4.30%	10 Years	10 Years	A
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	4.30%	10 Years	10 Years	A
MultiRate Guarantee: 1 Year Surrender: 7 Years	4.25%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.25%	1 Year	7 Years	A+
Future Flex 8 Guarantee: 2 Years Surrender: 8 Years	4.25%	2 Years	8 Years	A-
Jackson RateProtector Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A
Prudential WealthGuard Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	4.25%	3 Years	6 Years	A++
SecureOption Choice Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A+
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.25%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A++
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A+
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.25%	4 Years	4 Years	A+
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	B+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A-
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A++
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.25%	5 Years	5 Years	A++
Platinum Edge Guarantee: 6 Years Surrender: 6 Years	4.25%	6 Years	6 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.25%	7 Years	7 Years	A-
MultiRate Guarantee: 1 Year Surrender: 7 Years	4.20%	1 Year	7 Years	A+
SPDA Series II Guarantee: 1 Year Surrender: 7 Years	4.20%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.20%	1 Year	7 Years	A+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.20%	1 Year	5 Years	A+
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 7 Years	4.20%	3 Years	7 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A-
SmartSelect Guarantee: 3 Years Surrender: 3 Years	4.20%	3 Years	3 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	4.20%	4 Years	4 Years	A++
SmartSelect Two Guarantee: 4 Years Surrender: 4 Years	4.20%	4 Years	4 Years	A+
Mariner Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A+
Platinum Edge Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 7 Years	4.20%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A+
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A++
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 5 Years Surrender: 5 Years	4.20%	5 Years	5 Years	A-
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.20%	6 Years	6 Years	A++
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	4.20%	7 Years	10 Years	A
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.20%	7 Years	7 Years	A+
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.20%	7 Years	7 Years	A-
Select Choice Plus 1 - Base Contract Guarantee: 7 Years Surrender: 7 Years	4.20%	7 Years	7 Years	A-
Future Flex 8 Guarantee: 9 Years Surrender: 8 Years	4.20%	9 Years	8 Years	A-
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.19%	5 Years	5 Years	B+
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.15%	1 Year	5 Years	A+
MultiRate Guarantee: 2 Years Surrender: 7 Years	4.15%	2 Years	7 Years	A+
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A+
SPDA Series II Guarantee: 3 Years Surrender: 7 Years	4.15%	3 Years	7 Years	A+
Secure Growth Guarantee: 3 Years Surrender: 5 Years	4.15%	3 Years	5 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A++
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.15%	3 Years	3 Years	A
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.15%	4 Years	4 Years	A-
Platinum Edge Guarantee: 4 Years Surrender: 4 Years	4.15%	4 Years	4 Years	A+
Athene MYG NY Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
Freedom Elevate 5 Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
New Momentum Guarantee: 5 Years Surrender: 7 Years	4.15%	5 Years	7 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
Secure Savings Elite Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	B+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A++
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
SmartSelect Two Guarantee: 5 Years Surrender: 5 Years	4.15%	5 Years	5 Years	A+
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	4.15%	6 Years	6 Years	A++
SmartStep Guarantee: 6 Years Surrender: 6 Years	4.15%	6 Years	6 Years	A+
SmartStep Guarantee: 6 Years Surrender: 6 Years	4.15%	6 Years	6 Years	A+
Athene MYG NY Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A++
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A-
Select Choice 2 - Base Benefits Plus ROP Guarantee: 7 Years Surrender: 7 Years	4.15%	7 Years	7 Years	A-
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	4.15%	10 Years	10 Years	A
Secure Growth Guarantee: 1 Year Surrender: 7 Years	4.10%	1 Year	7 Years	A+
MultiRate Guarantee: 2 Years Surrender: 7 Years	4.10%	2 Years	7 Years	A+
MultiRate Guarantee: 3 Years Surrender: 7 Years	4.10%	3 Years	7 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.10%	3 Years	3 Years	A++
Select Pro Guarantee: 3 Years Surrender: 3 Years	4.10%	3 Years	3 Years	A
SmartSelect Two Guarantee: 3 Years Surrender: 3 Years	4.10%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 4 Years Surrender: 4 Years	4.10%	4 Years	4 Years	A-
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.10%	4 Years	4 Years	A++
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	4.10%	4 Years	4 Years	A++
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A-
Stars and Stripes 5 Guarantee: 5 Years Surrender: 5 Years	4.10%	5 Years	5 Years	A++
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.10%	6 Years	6 Years	A++
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	4.10%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	4.10%	6 Years	6 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A
Secure Growth Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A+
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A++
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A-
Select Choice Plus 3 - Base Contract Plus PFW Guarantee: 7 Years Surrender: 7 Years	4.10%	7 Years	7 Years	A-
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	4.05%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	4.05%	3 Years	7 Years	A
F&G Secure MYGA® ROP Guarantee: 3 Years Surrender: 3 Years	4.05%	3 Years	3 Years	A
MultiRate Guarantee: 3 Years Surrender: 7 Years	4.05%	3 Years	7 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	4.05%	3 Years	3 Years	A++
MultiRate Guarantee: 4 Years Surrender: 7 Years	4.05%	4 Years	7 Years	A+
MultiVantage Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
MultiVantage Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
MultiVantage Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A++
SmartSelect Guarantee: 4 Years Surrender: 4 Years	4.05%	4 Years	4 Years	A+
Mariner Guarantee: 5 Years Surrender: 5 Years	4.05%	5 Years	5 Years	A+
MultiRate Guarantee: 5 Years Surrender: 7 Years	4.05%	5 Years	7 Years	A+
SPDA Series II Guarantee: 5 Years Surrender: 7 Years	4.05%	5 Years	7 Years	A+
SmartSelect Guarantee: 5 Years Surrender: 5 Years	4.05%	5 Years	5 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	4.05%	6 Years	6 Years	A++
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	4.05%	7 Years	10 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A++
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A-
Select Choice 4 - Base Benefits Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	4.05%	7 Years	7 Years	A-
Palladium MYG Guarantee: 10 Years Surrender: 10 Years	4.05%	10 Years	10 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	4.00%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	4.00%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	4.00%	1 Year	5 Years	A+
American Pathway Advisory Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A
Expedition II Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A++
Secure Term MVA II Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A++
Secure Term MVA III Guarantee: 3 Years Surrender: 3 Years	4.00%	3 Years	3 Years	A++
MultiRate Guarantee: 4 Years Surrender: 7 Years	4.00%	4 Years	7 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	4.00%	4 Years	4 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	4.00%	4 Years	4 Years	A++
American Pathway Advisory Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A
MultiRate Guarantee: 5 Years Surrender: 7 Years	4.00%	5 Years	7 Years	A+
MultiVantage Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
MultiVantage Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
MultiVantage Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A++
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A++
SecureSaver Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A+
Select Pro Guarantee: 5 Years Surrender: 5 Years	4.00%	5 Years	5 Years	A
American Pathway Advisory Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A
Mariner Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A+
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A++
SecureSaver Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A+
Select Pro Guarantee: 7 Years Surrender: 7 Years	4.00%	7 Years	7 Years	A
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
Expedition II Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
MaxRate 3 Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A-
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A++
Secure Term Choice III Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A++
Secure Term Fixed Annuity V Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A++
SmartSelect Guarantee: 3 Years Surrender: 3 Years	3.95%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.95%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	3.95%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	3.95%	5 Years	5 Years	A++
Access SPDA Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A-
New Momentum Guarantee: 6 Years Surrender: 7 Years	3.95%	6 Years	7 Years	A+
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A++
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A++
SmartStep Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A+
SmartStep Guarantee: 6 Years Surrender: 6 Years	3.95%	6 Years	6 Years	A+
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A++
MultiRate Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A+
Palladium MYG Guarantee: 7 Years Surrender: 10 Years	3.95%	7 Years	10 Years	A
SPDA Series II Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A+
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.95%	7 Years	7 Years	A-
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.90%	2 Years	2 Years	B+
Athene MYG NY Guarantee: 3 Years Surrender: 3 Years	3.90%	3 Years	3 Years	A+
Milestone MYGA Guarantee: 3 Years Surrender: 3 Years	3.90%	3 Years	3 Years	A-
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.90%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	3.90%	3 Years	6 Years	A++
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.90%	4 Years	4 Years	A++
Secure Term MVA II Guarantee: 4 Years Surrender: 4 Years	3.90%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.90%	5 Years	5 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	3.90%	5 Years	5 Years	A++
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	3.90%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.90%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	3.90%	6 Years	6 Years	A++
MultiRate Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A++
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	3.90%	7 Years	7 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 3 Years Surrender: 3 Years	3.85%	3 Years	3 Years	A++
Access SPDA Guarantee: 4 Years Surrender: 4 Years	3.85%	4 Years	4 Years	A-
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.85%	4 Years	4 Years	A++
Secure Term Fixed Annuity V Guarantee: 4 Years Surrender: 4 Years	3.85%	4 Years	4 Years	A++
Select Pro Guarantee: 5 Years Surrender: 5 Years	3.85%	5 Years	5 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.85%	6 Years	6 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	3.85%	6 Years	6 Years	A++
MultiVantage Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A+
MultiVantage Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A-
Select Pro Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.85%	7 Years	7 Years	A++
Future Flex 8 Guarantee: 9 Years Surrender: 8 Years	3.85%	9 Years	8 Years	A-
MultiVantage Guarantee: 10 Years Surrender: 10 Years	3.85%	10 Years	10 Years	A+
MultiVantage Guarantee: 10 Years Surrender: 10 Years	3.85%	10 Years	10 Years	A+
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.84%	2 Years	2 Years	B+
Secure Growth Guarantee: 1 Year Surrender: 7 Years	3.80%	1 Year	7 Years	A+
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.80%	2 Years	2 Years	B+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.80%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	3.80%	3 Years	6 Years	A++
Select Max Guarantee: 3 Years Surrender: 3 Years	3.80%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.80%	4 Years	4 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 4 Years Surrender: 4 Years	3.80%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A++
Secure Term MVA II Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A++
Secure Term MVA III Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A++
Select Max Guarantee: 5 Years Surrender: 5 Years	3.80%	5 Years	5 Years	A
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.80%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.80%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.80%	6 Years	6 Years	A+
Freedom Elevate 7 Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
New Momentum Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A+
Secure Growth Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A++
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A-
Select Choice Plus 2 - Base Contract Plus ROP Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A-
Select Max Guarantee: 7 Years Surrender: 7 Years	3.80%	7 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.75%	1 Year	7 Years	A
Secure Growth Guarantee: 1 Year Surrender: 5 Years	3.75%	1 Year	5 Years	A+
SeniorSelect Guarantee: 1 Year Surrender: 1 Year	3.75%	1 Year	1 Year	A+
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.75%	3 Years	7 Years	A
SecureOption Focus Guarantee: 3 Years Surrender: 7 Years	3.75%	3 Years	7 Years	A+
Select Max Guarantee: 3 Years Surrender: 3 Years	3.75%	3 Years	3 Years	A
Select Pro Guarantee: 3 Years Surrender: 3 Years	3.75%	3 Years	3 Years	A
Mariner Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A+
Secure Growth Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A+
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A++
Secure Term Choice III Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A++
Secure Term Fixed Annuity V Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A++
SecureOption Focus Guarantee: 5 Years Surrender: 7 Years	3.75%	5 Years	7 Years	A+
Select Max Guarantee: 5 Years Surrender: 5 Years	3.75%	5 Years	5 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	3.75%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.75%	6 Years	6 Years	A++
Secure Term MVA II Guarantee: 6 Years Surrender: 6 Years	3.75%	6 Years	6 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A
MultiVantage Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A+
SecureGain 7 Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A++
SecureOption Focus Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A+
Select Max Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.75%	7 Years	7 Years	A++
New Momentum Guarantee: 10 Years Surrender: 7 Years	3.75%	10 Years	7 Years	A+
Platinum Edge Guarantee: 3 Years Surrender: 3 Years	3.70%	3 Years	3 Years	A+
Secure Term Choice II Guarantee: 3 Years Surrender: 3 Years	3.70%	3 Years	3 Years	A++
SecureGain 3 Guarantee: 3 Years Surrender: 6 Years	3.70%	3 Years	6 Years	A++
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	3.70%	4 Years	4 Years	A
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.70%	4 Years	4 Years	A++
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.70%	5 Years	5 Years	A
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.70%	5 Years	5 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 5 Years Surrender: 5 Years	3.70%	5 Years	5 Years	A++
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.70%	6 Years	6 Years	A++
Secure Term Fixed Annuity V Guarantee: 6 Years Surrender: 6 Years	3.70%	6 Years	6 Years	A++
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.70%	6 Years	6 Years	A+
American Pathway Vision MYG Guarantee: 7 Years Surrender: 10 Years	3.70%	7 Years	10 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A++
Secure Term MVA II Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A++
Secure Term MVA III Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A++
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A-
Select Choice Plus 4 - Base Contract Plus ROP and PFW Guarantee: 7 Years Surrender: 7 Years	3.70%	7 Years	7 Years	A-
SolutionsMYG Guarantee: 7 Years Surrender: 10 Years	3.70%	7 Years	10 Years	A
American Pathway Vision MYG Guarantee: 10 Years Surrender: 10 Years	3.70%	10 Years	10 Years	A
MultiVantage Guarantee: 10 Years Surrender: 10 Years	3.70%	10 Years	10 Years	A+
SolutionsMYG Guarantee: 10 Years Surrender: 10 Years	3.70%	10 Years	10 Years	A
SecureOption Focus Guarantee: 3 Years Surrender: 7 Years	3.65%	3 Years	7 Years	A+
American Pathway Vision MYG Guarantee: 5 Years Surrender: 10 Years	3.65%	5 Years	10 Years	A
SecureOption Focus Guarantee: 5 Years Surrender: 7 Years	3.65%	5 Years	7 Years	A+
SolutionsMYG Guarantee: 5 Years Surrender: 10 Years	3.65%	5 Years	10 Years	A
American Pathway Vision MYG Guarantee: 6 Years Surrender: 10 Years	3.65%	6 Years	10 Years	A
Palladium MYG Guarantee: 6 Years Surrender: 10 Years	3.65%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.65%	6 Years	6 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 6 Years Surrender: 6 Years	3.65%	6 Years	6 Years	A++
SolutionsMYG Guarantee: 6 Years Surrender: 10 Years	3.65%	6 Years	10 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A++
Secure Term Choice III Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A++
Secure Term Fixed Annuity V Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A++
SecureOption Focus Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.65%	7 Years	7 Years	A+
Secure Term Choice II Guarantee: 4 Years Surrender: 4 Years	3.60%	4 Years	4 Years	A++
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.60%	5 Years	5 Years	A++
Select Max Guarantee: 5 Years Surrender: 5 Years	3.60%	5 Years	5 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A++
Secure Term Fixed Annuity IV - FP Series Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A++
Select Max Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.60%	7 Years	7 Years	A++
Select Pro Guarantee: 3 Years Surrender: 3 Years	3.55%	3 Years	3 Years	A
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A++
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A+
SmartSelect Two Guarantee: 6 Years Surrender: 6 Years	3.55%	6 Years	6 Years	A+
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.55%	7 Years	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.50%	1 Year	5 Years	A
SecureOption Focus Guarantee: 1 Year Surrender: 7 Years	3.50%	1 Year	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.50%	3 Years	5 Years	A
American Pathway Vision MYG Guarantee: 4 Years Surrender: 10 Years	3.50%	4 Years	10 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.50%	5 Years	5 Years	A
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	3.50%	5 Years	10 Years	A
Secure Term Choice II Guarantee: 5 Years Surrender: 5 Years	3.50%	5 Years	5 Years	A++
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A++
Stars and Stripes 7 Guarantee: 7 Years Surrender: 7 Years	3.50%	7 Years	7 Years	A++
SecureOption Focus Guarantee: 3 Years Surrender: 7 Years	3.45%	3 Years	7 Years	A+
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	3.45%	5 Years	5 Years	A
Secure Savings Guarantee: 5 Years Surrender: 5 Years	3.45%	5 Years	5 Years	B+
SecureOption Focus Guarantee: 5 Years Surrender: 7 Years	3.45%	5 Years	7 Years	A+
Access SPDA Guarantee: 6 Years Surrender: 6 Years	3.45%	6 Years	6 Years	A-
Secure Term Choice II Guarantee: 6 Years Surrender: 6 Years	3.45%	6 Years	6 Years	A++
SmartSelect Guarantee: 6 Years Surrender: 6 Years	3.45%	6 Years	6 Years	A+
SecureOption Focus Guarantee: 7 Years Surrender: 7 Years	3.45%	7 Years	7 Years	A+
Select Max Guarantee: 7 Years Surrender: 7 Years	3.45%	7 Years	7 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.40%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.40%	1 Year	7 Years	A
SecureOption Focus Guarantee: 1 Year Surrender: 7 Years	3.40%	1 Year	7 Years	A+
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.40%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.40%	3 Years	7 Years	A
Select Max Guarantee: 3 Years Surrender: 3 Years	3.40%	3 Years	3 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.40%	5 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.40%	5 Years	5 Years	A
Select Max Guarantee: 5 Years Surrender: 5 Years	3.40%	5 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A
Secure Term Choice II Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A++
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A+
SmartSelect Two Guarantee: 7 Years Surrender: 7 Years	3.40%	7 Years	7 Years	A+
Select Max Guarantee: 3 Years Surrender: 3 Years	3.35%	3 Years	3 Years	A
Access SPDA Guarantee: 4 Years Surrender: 4 Years	3.35%	4 Years	4 Years	A-
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	3.35%	5 Years	10 Years	A
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	3.30%	3 Years	10 Years	A
Optimum 5 Selection Guarantee: 5 Years Surrender: 5 Years	3.30%	5 Years	5 Years	A
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	3.30%	7 Years	7 Years	A
Optimum 7 Selection Guarantee: 7 Years Surrender: 7 Years	3.30%	7 Years	7 Years	A
SmartSelect Guarantee: 7 Years Surrender: 7 Years	3.30%	7 Years	7 Years	A+
Palladium MYG Guarantee: 5 Years Surrender: 10 Years	3.25%	5 Years	10 Years	A
SecureOption Focus Guarantee: 1 Year Surrender: 7 Years	3.20%	1 Year	7 Years	A+
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	3.20%	5 Years	5 Years	A
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	3.20%	7 Years	7 Years	A
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.15%	2 Years	2 Years	B+
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	3.15%	3 Years	10 Years	A
Secure Savings Guarantee: 3 Years Surrender: 3 Years	3.15%	3 Years	3 Years	B+
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.15%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.15%	5 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.10%	1 Year	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.10%	3 Years	7 Years	A
American Pathway Fixed 4 Annuity Guarantee: 4 Years Surrender: 4 Years	3.10%	4 Years	4 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.10%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.10%	5 Years	5 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	3.10%	5 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.10%	7 Years	7 Years	A
WealthQuest Citadel 7 Diamond Guarantee: 7 Years Surrender: 7 Years	3.10%	7 Years	7 Years	A
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.09%	2 Years	2 Years	B+
Secure Savings Elite Guarantee: 2 Years Surrender: 2 Years	3.05%	2 Years	2 Years	B+
Palladium MYG Guarantee: 3 Years Surrender: 10 Years	3.05%	3 Years	10 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.05%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.05%	5 Years	5 Years	A
SolutionsMYG Guarantee: 7 Years Surrender: 7 Years	3.05%	7 Years	7 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.00%	1 Year	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 1 Year Surrender: 5 Years	3.00%	1 Year	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 1 Year Surrender: 7 Years	3.00%	1 Year	7 Years	A
Future Flex 5 Guarantee: 1 Year Surrender: 5 Years	3.00%	1 Year	5 Years	A-
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.00%	3 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 3 Years Surrender: 5 Years	3.00%	3 Years	5 Years	A
American Pathway Fixed 7 Annuity Guarantee: 3 Years Surrender: 7 Years	3.00%	3 Years	7 Years	A
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	3.00%	4 Years	4 Years	A
First Choice 4 Guarantee: 4 Years Surrender: 4 Years	3.00%	4 Years	4 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
American Pathway Fixed 5 Annuity Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
American Pathway Fixed 5 Plus Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
First Choice 5 Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
SolutionsMYG Guarantee: 5 Years Surrender: 7 Years	3.00%	5 Years	7 Years	A
WealthQuest Citadel 5 Diamond Guarantee: 5 Years Surrender: 5 Years	3.00%	5 Years	5 Years	A
SolutionsMYG Guarantee: 6 Years Surrender: 7 Years	3.00%	6 Years	7 Years	A
American Pathway Fixed 7 Annuity Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A
American Pathway Fixed 7 Plus Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A
Assured Edge Income Builder Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A
Prudential Fixed Annuity Guarantee: 7 Years Surrender: 7 Years	3.00%	7 Years	7 Years	A+
Future Flex 5 Guarantee: 2 Years Surrender: 5 Years	2.75%	2 Years	5 Years	A-
Assured Edge Advisory Guarantee: 7 Years Surrender: 1 Year	2.75%	7 Years	1 Year	A
Income Creator Guarantee: 7 Years Surrender: 7 Years	2.65%	7 Years	7 Years	A+
Secure Savings Guarantee: 2 Years Surrender: 2 Years	2.60%	2 Years	2 Years	B+
Future Flex 5 Guarantee: 6 Years Surrender: 5 Years	2.35%	6 Years	5 Years	A-
Assured Edge Income Builder Guarantee: 7 Years Surrender: 7 Years	2.25%	7 Years	7 Years	A
Assured Edge Income Achiever Guarantee: 9 Years Surrender: 9 Years	2.25%	9 Years	9 Years	A
Assured Edge Income Achiever Guarantee: 10 Years Surrender: 10 Years	2.25%	10 Years	10 Years	A
Clear Income Advantage - FP Series Guarantee: 7 Years Surrender: 7 Years	1.00%	7 Years	7 Years	A++
Clear Income Advantage - FP Series Guarantee: 7 Years Surrender: 7 Years	1.00%	7 Years	7 Years	A++
Clear Income Advantage - FP Series Guarantee: 7 Years Surrender: 7 Years	1.00%	7 Years	7 Years	A++

Products 1-5 of 739

Additional Products Offered by Athene

One place where Athene stands out from competitors is in the sheer volume of annuity options available. Many providers focus on one or two base annuity types while offering a couple of variations of those types.

Across all categories, Athene offers more than 10 unique products.

Fixed Index Annuities

The majority of Athene’s offerings are fixed index annuities, with six base products and a few variations available.

Athene’s Fixed Index Annuities

AccuMax
Accumulator
Agility
Ascent Pro
Performance Elite
Protector

AccuMax

Athene does a good job of breaking down its available annuities based on their specific goals and benefits for potential customers. The base version — known as AccuMax^℠ — is available in terms of one, five or seven years.

These annuities generally offer the choice between a fixed or indexed strategy and guarantee that your interest earned never falls below 0%.

The Accumulator

Each product offers unique benefits. The Accumulator℠, for example, includes a bailout feature where you can access your full accumulated value for 30 days in some situations.

“Another great feature of Athene annuities is the liquidity that they have,” Ryan Cicchelli, an annuity agent, told Annuity.org. “I think they’re probably one of the highest liquidity annuities in the country.”

The Agility and Ascent Pro

The Agility℠ includes access to an income benefit rider while the Ascent Pro℠ offers a rider to convert a portion of your contract’s value into a guaranteed income stream. Both are available in terms of seven or 10 years.

Performance Elite

Meanwhile, the longest term available is 15 years and is accessible through the Performance Elite^®. This annuity allows for automatic diversification across indexes and can be rebalanced each year.

Protector

Athene’s final fixed index annuity is the Protector℠, which is a secure product with additional safeguards.

Registered Index-Linked Annuities

Athene offers one base RILA that is available in two different forms.

This product is the Amplify 2.0 and is available in six-year terms. Athene also offers different periods within that term, where your protection level can be reset and you can realize earnings.

Amplify 2.0 Term Periods

One Year
Two Years
Six Years

The Amplify 2.0 includes different buffer level options — capping your earnings in both directions to protect from market downturns — and offers five index options to choose from.

Additionally, a no-fee version known as Amplify 2.0 NF is available.

Fixed Annuities

Athene offers access to two different fixed annuities.

Athene MYG

Its base product is the Athene MYG℠, which is available in terms of three, five or seven years. It includes standard industry-wide features, such as waivers for nursing home confinement or terminal illness, as well as the ability to withdraw 10% of the contract penalty-free after a year.

Athene MYG is also available with a Return of Premium option that allows you to surrender at any point during the withdrawal charge period and get back all of your premiums with no penalty. The tradeoff to this option is lower rates on your annuity.

Another great feature of Athene annuities is the liquidity that they have. I think they’re probably one of the highest liquidity annuities in the country.

Ryan CicchelliAnnuity Agent

Athene MaxRate

The Athene MaxRate® is another choice to consider. It’s available in terms of three, five or seven years, has a slightly higher minimum than Athene MYG and gives you the option to focus your annuity on growth, income or both.

Immediate Annuities

On top of its wide range of fixed and indexed options, Athene offers access to immediate annuities as well.

Immediate annuities are generally simple products, but the Athene SPIA offers a solid range of payout options.

This includes guaranteed lifetime payments, as well as several terms where the annuity pays out for life or for the length of the term.

Also available is a regular term length, ranging from six to 30 years.

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About Athene

Athene is certainly not a legacy company, having just been founded in 2009, but its relative youth has not stopped it from growing into a giant in the annuity industry.

The company topped $20 billion in direct premiums sold in 2022 and holds strong ratings from virtually every creditor.

It also has significant financial backing from its new parent company after being purchased by Apollo Global for $11 billion in 2021.

Many customers may feel more comfortable opting for one of the many annuity providers who have been in the space for decades, or over a century, due to that extra layer of security.

But Athene breaks the trend that comes with youth by being both a reliable and effective provider.

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Credit Ratings

Credit ratings for annuity providers can help determine a company’s financial strength and stability — an indication that it will be around to guarantee payments to you in the future. Different rating companies use different scales.

Athene Credit Ratings

Rating Company	Credit Rating
AM Best	A
Fitch	A+
S&P	A+

Best Providers of 2024

See which annuity providers our independent editorial team ranked as the Best Annuity Companies of 2024.

What Customers Are Saying About Athene

As with many large providers, Athene has a mixed reputation when it comes to customer satisfaction. The company has a solid NAIC Complaint Index Score of 0.63, meaning there are fewer than expected customer complaints given its presence in the market.

But Athene rated poorly in both 2022 and 2023 in the J.D. Power Overall Customer Satisfaction Index Ranking. The provider ranked below industry average in both years, well behind competitors like AIG and MassMutual.

“Athene is difficult to get on the phone,” Federal Retirement Advisor Ken Orenstein told Annuity.org. “I just do not like working with [this] carrier. And ironically, this is an extremely popular carrier.”

The NAIC (National Association of Insurance Commissioners) tracks the consumer complaints that each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint Index.NAIC Complaint IndexDetermined by dividing the company’s share of complaints in the U.S. market by the company’s share of premiums in the U.S. market. The National Complaint Index is always 1.00, so a score of 2.00, for example, is twice as high as expected in the market.

NAIC Complaint Index for Athene

All Policy Types	0.05
Individual Annuities Only	0.63

These numbers indicate that Athene receives fewer complaints than the industry average for all insurance policy types and individual annuities specifically.

Athene Pros & Cons

As with any company, there are pros and cons to working with Athene. One of the biggest things the provider has going for it is the volume of products available.

This is a significant departure from many competitors who focus on just a handful of products. Athene appeals to a wider range of customers thanks to its many choices.

Concerns about the company’s age are limited, in part due to its financial stability. It holds an A Financial Strength Rating from AM Best and is backed by Apollo Holdings.

The only major con of Athene is its low customer satisfaction track record. Its J.D. Power ranking falling below the industry average over two consecutive years is a concern, and Annuity.org spoke to an expert who said they do not like working with the company.

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Provider Rating Methodology

Annuity.org created a fact-based methodology to analyze the strength, security and reach of different annuity providers. We assessed companies based on their availability, the number of direct premiums sold, their AM Best Financial Strength Rating and their NAIC Complaint Index score.

Providers received a rating on a five-star scale for each of these categories, with the complaint index and financial strength ratings weighed as the heaviest variables. Then, using a weighted average, each company was assigned an overall star rating.

Top-Ranked Annuity Providers

Provider	Annuity.org Star Rating
Mass Mutual
New York Life
Pacific Life
Midland National
North American
Western & Southern

Compare All Provider Ratings

Our Rating Panel

Annuity.org expert panel for providers pages

The Annuity.org editorial team spoke with several different annuity experts to learn more about what is important to customers when searching for a provider and what factors make a company reliable. While Annuity.org designed the methodology, these experts provided feedback during the process and consulted on what factors we should leverage to best help prospective buyers compare providers.

Please seek the advice of a qualified professional before making financial decisions.

Last Modified: July 17, 2024

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